To execute in-depth quantitative analysis and reporting of the banks loan portfolio, market trends, and risk metrics. This role is responsible for generating accurate, timely credit reports and translating complex data into actionable recommendations that support management decisions, enhance loan portfolio quality, and mitigate credit risk exposure.

To participate fully in various credit related projects including system implementation / enhancements and automation, new credit product designing, CRB services, Credit Scoring Tools, IFRS9 assessment, validation and reporting, etc.

Responsibilities or duties

Main Responsibilities:

• Provide continuous professional support and strategic input to ensure the comprehensive planning, approaches, and strategies necessary for improving loan portfolio quality.
• Identify, model, and analyze credit risk hotspots, providing critical analytical updates on internal and external factors (macroeconomic and market trends) influencing NMB's portfolio performance and the wider banking industry to effectively mitigate credit risk exposure.
• Drive efficiency in lending and portfolio management by actively participating in and leading various credit-related projects, system enhancements, and automation initiatives.
• Prepare and ensure timely completion of all essential credit-related reports for regulatory bodies and internal management committees (e.g., LPQ, Watch-list, BCC). This includes monthly credit performance, PAR/NPL, and IFRS 9 impairment/provision reports.
• Provide support on the entire IFRS 9 impairment process and all related issues during the preparation of month-end financial reports and disclosures.
• Manage Credit Reference Bureau (CRB) services for the bank, guaranteeing full compliance with BOT regulatory requirements, which encompasses monthly data submission, data quality improvement, system enhancements, training, and effective handling of disputes and queries.
• Participate in addressing all credit-related issues arising from internal and external audits/examinations.
• Serve as the key resource for providing required credit reports and information to all internal stakeholders (including Credit, SAM, Business, Finance, Treasury, Strategy, and Internal Audit) and external partners (BOT, Government Instructions).
• Efficiently handle and resolve complex credit-related queries from both internal and external customers.
• Deliver comprehensive credit skills training to key staff across the network to significantly enhance efficiency, control, and internal capacity across the credit function.
• Execute any other specific tasks and duties integral to the Credit Management Information (MI) role.

Qualifications or requirements (e.g., education, skills)

Knowledge and Skills:

• Excellent understanding of credit and associated risks
• Proper understanding of new credit impairment models in line with IFRS9 requirement
• Proper knowledge of Bank's products, policies/ procedures and best practices in the banking industry.
• Technical - Core Banking System (Flexcube) and computer applications.
• Behavioral - Analytical numerals, critical thinking, communications and presentation skills, persuasiveness, self-directed work.

Experience needed

Qualifications and Experience:

• Bachelor's Degree in Commerce, Economics, Finance, Business or related fields.
• At least 3 years' proven experience in a credit MI related role.

• Provide continuous professional support and strategic input to ensure the comprehensive planning, approaches, and strategies necessary for improving loan portfolio quality.
• Identify, model, and analyze credit risk hotspots, providing critical analytical updates on internal and external factors (macroeconomic and market trends) influencing NMB's portfolio performance and the wider banking industry to effectively mitigate credit risk exposure.
• Drive efficiency in lending and portfolio management by actively participating in and leading various credit-related projects, system enhancements, and automation initiatives.
• Prepare and ensure timely completion of all essential credit-related reports for regulatory bodies and internal management committees (e.g., LPQ, Watch-list, BCC). This includes monthly credit performance, PAR/NPL, and IFRS 9 impairment/provision reports.
• Provide support on the entire IFRS 9 impairment process and all related issues during the preparation of month-end financial reports and disclosures.
• Manage Credit Reference Bureau (CRB) services for the bank, guaranteeing full compliance with BOT regulatory requirements, which encompasses monthly data submission, data quality improvement, system enhancements, training, and effective handling of disputes and queries.
• Participate in addressing all credit-related issues arising from internal and external audits/examinations.
• Serve as the key resource for providing required credit reports and information to all internal stakeholders (including Credit, SAM, Business, Finance, Treasury, Strategy, and Internal Audit) and external partners (BOT, Government Instructions).
• Efficiently handle and resolve complex credit-related queries from both internal and external customers.
• Deliver comprehensive credit skills training to key staff across the network to significantly enhance efficiency, control, and internal capacity across the credit function.
• Execute any other specific tasks and duties integral to the Credit Management Information (MI) role.

• Excellent understanding of credit and associated risks
• Proper understanding of new credit impairment models in line with IFRS9 requirement
• Proper knowledge of Bank's products, policies/ procedures and best practices in the banking industry.
• Technical - Core Banking System (Flexcube) and computer applications.
• Behavioral - Analytical numerals, critical thinking, communications and presentation skills, persuasiveness, self-directed work.

• Bachelor's Degree in Commerce, Economics, Finance, Business or related fields.
• At least 3 years' proven experience in a credit MI related role.